After winning the lottery, it’s important to take the proper steps to ensure your newfound wealth is safeguarded and managed well. Start by seeking advice from a financial adviser who can recommend the best way to invest, save, and protect your money. It’s also important to create a budget and monitor your spending. By living below your means and making wise money decisions, you could make your lottery winnings last for a lifetime and even more.

Prenups are agreements drawn up between couples before marriage that spell out the financial obligations in the event of divorce and protect each spouse’s right to their separate property. Postnups have similar benefits but are signed after marriage. Though marital agreements like prenups and postnups might be seen as transactional and unromantic, they are an invaluable safeguard for soon-to-be newlyweds or couples who have already been married for some time.

While you can withdraw 401(k) funds for a home purchase, this often isn’t a smart idea, especially if you’re under 59½. Not only will you miss out on the money earned from compounding interest, but you’ll also incur stiff penalties and taxes, which could throw your retirement plans off course.

Whether it be insufficient funds in the account, details entered incorrectly, or technical issues, most of us have seen a credit card decline code. Although nobody wants to see their credit card declined, credit card error codes offer useful clues to help merchants and customers make sense of what went wrong with the transaction.

Some of the best assets to buy in your 20s include index funds, dividend stocks, and real estate investment properties. That said, you can also invest in more passive-income assets, including REITs, or in your own future and financial independence by returning to school or building your retirement plan.

Both 401(k)s and Roth IRA accounts are popular choices for retirement savings. A 401(k) is a workplace retirement plan set up by your employer, while a Roth IRA is an individual retirement account that you set up yourself. Both a Roth IRA and a 401(k) offer tax advantages on investments, so which one is right for you will largely depend on whether you’d rather pay income tax on your money after you withdraw it or let your investments grow tax-free.

Though you can never truly anticipate unexpected expenses, you can prepare for them by building up your emergency funds. To increase the amount of money you can set aside in your emergency fund, live below your means and automate your savings as well.

Secured loans through dealerships and personal loans are the two most common ways to finance mopeds or scooters. Dealerships often offer special deals for customers, but it can be a challenge to compare the actual cost of different offers. Personal loans are very convenient and flexible, but you may end up paying a higher interest rate than with a secured personal loan (especially if you have bad credit). However, it’s always a good idea to compare the rates and terms available with each option before you make a decision.

The “buy, borrow, die” strategy is a popular estate planning tool that many wealthy people use to minimize the amount of taxes they owe on their investments. The basic idea is to purchase investments that appreciate in value, borrow against these assets and use them as collateral for loans, and then pass on these assets to heirs once you die. By using this strategy, the wealthy position themselves to minimize their tax burden and build generational wealth.

Debit cards offer a convenient way to access cash and make regular purchases. However, most financial institutions impose daily spending limits on debit cards to protect your account from fraud. This safety measure means that if you attempt to spend an amount greater than your daily limit, the transaction could be denied. Thankfully, you can temporarily or permanently increase your debit card limit by contacting your bank.